Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation

Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation

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Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation episodes

  • Why Service Prices Are Keeping Inflation Sticky

    Core CPI came in hot again for April, driven almost entirely by services like rent, car insurance, and medical care. Lucas and Luna break down why goods deflation isn't enough to bring the headline number down, what the 2.40 percent ten-year breakeven tells us about market expectations, and whether the Fed's next move depends more on wage growth in the service sector than on anything else. Specific numbers: April CPI at 332.4, core CPI at 335.4, ten-year breakeven inflation at 2.40. A focused look at the one inflation component that keeps surprising to the upside.

    #CPI #CoreCPI #ServiceInflation #Fed #Inflation #Rent #CarInsurance #MedicalCare #TenYearBreakeven #WageGrowth #PersonalFinance #PurchasingPower #FexingoBusiness #BusinessPodcast #Finance #Economics #InflationAndYourMoney #LucasAndLuna

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    7 min
  • What the Bond Market Tells Us About Inflation's Next Move

    Lucas and Luna explore the bond market's inflation signals in May 2026. The ten-year breakeven inflation rate sits at 2.40 percent, up slightly from 2.39. Lucas explains what breakevens actually measure and why they matter for your purchasing power. They dig into the surge in 'risk-free' Treasury yields and what that means for investors hunting for yield. Luna brings up the gap between breakevens and consumer surveys, sparking a debate on whether markets or people are the better inflation oracle. They also touch on why the Fed is holding rates steady at 3.64 percent. This episode gives you a concrete lens to watch inflation without obsessing over CPI reports.

    #Inflation #BondMarket #TIPS #BreakevenInflationRate #TreasuryYields #FederalReserve #PurchasingPower #PersonalFinance #CPI #CoreCPI #PCE #RiskFreeRate #Investing #Finance #FixedIncome #FexingoBusiness #BusinessPodcast #InflationAndYourMoney

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    9 min
  • The Hidden Cost Inflation Imposes on Your Savings

    In this episode of Inflation and Your Money with Fexingo, Lucas and Luna explore a stealthy but devastating effect of inflation: how it silently erodes the real value of cash savings even when interest rates rise. Using the latest data—CPI at 332.4, Fed funds rate stuck at 3.64%—they break down the concept of 'negative real yields' on savings accounts. Lucas explains why the average savings account rate of 2.8% APY actually loses purchasing power when inflation is running above 3%. They discuss the 'inflation tax' and how it hits low-risk savers hardest, compare high-yield savings, money market funds, and short-term Treasury ETFs, and offer a concrete strategy for protecting cash holdings. No scare tactics, just a clear-eyed look at what inflation is really doing to your wallet and what you can do about it.

    #Inflation #Savings #RealYields #CPI #FedFundsRate #PurchasingPower #HighYieldSavings #MoneyMarketFunds #TreasuryETFs #PersonalFinance #NegativeRealYield #InterestRates #InflationTax #CashManagement #FexingoBusiness #BusinessPodcast #Finance #Investing

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    9 min
  • Why Your Paycheck Buys Less Every Year

    In this episode, Lucas and Luna tackle a stealthy threat to your finances: bracket creep. With inflation pushing nominal wages higher, workers are getting shoved into higher tax brackets without any real gain in purchasing power. Lucas explains how this happened to a software engineer in Austin, Texas, who got a 4% raise but saw her real after-tax income fall. They break down how the federal income tax brackets are adjusted for inflation — and why the adjustment is based on a lagging CPI measure that doesn't fully capture rent and healthcare spikes. Using recent CPI data (April 2026: 332.4, up from 330.29), they show that the 2025 bracket adjustments understate true inflation by about half a percent. Practical takeaways: how to check if you're affected, and why long-term investors might consider municipal bonds or Roth conversions to mitigate the drag.

    #BracketCreep #Inflation #TaxBrackets #RealIncome #CPI #PurchasingPower #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast #TaxPlanning #RothConversion #MunicipalBonds #CPIAdjustment #WageStagnation #AustinTexas #SoftwareEngineer #InflationTax

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    10 min
  • The Fed Rate Cut That Never Came

    In this episode of Inflation and Your Money, Lucas and Luna explore why the Federal Reserve has held interest rates steady at 3.64 percent since late 2025, even as inflation remains above target. They dig into the latest PCE and CPI data, the unchanged fed funds effective rate, and what this means for your savings and bond portfolio. The hosts discuss how the 10-year breakeven inflation rate has fallen to 2.39 percent—its lowest since early 2025—signaling that markets expect inflation to ease, but not fast enough for the Fed to cut. Lucas and Luna debate whether the 'higher for longer' stance is hurting or helping ordinary investors, and share practical moves like I bonds and short-term Treasury ladders that listeners can use right now. No more waiting for a rate cut that may not come this year; it's time to adapt your strategy.

    #FederalReserve #InterestRates #Inflation #PCE #CPI #Bonds #Treasuries #IBonds #Savings #PortfolioStrategy #Fed #PurchasingPower #Finance #Business #FexingoBusiness #BusinessPodcast #InflationAndYourMoney #MonetaryPolicy

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    8 min
  • Why Your Rent Keeps Rising Even as CPI Cools

    In this episode of Inflation and Your Money with Fexingo, Lucas and Luna unpack the gap between official inflation numbers and what people actually feel at the checkout counter. With April CPI showing a modest 0.6% monthly increase but core services like rent and insurance still climbing at 4-5% annually, they explain why shelter costs lag in official data and why that matters for your personal budget. Lucas breaks down the concept of 'sticky inflation' using the latest April CPI and PCE readings, while Luna questions whether the Fed's rate pause at 3.64% is helping or hurting renters. They also discuss practical strategies: how to negotiate rent renewal, why you might want to lock in a longer lease now, and whether I-Bonds still make sense with the 10-year breakeven inflation rate at 2.44%. If you've been wondering why your cost of living keeps rising despite headlines saying 'inflation is cooling,' this episode gives you the real numbers and actionable steps.

    #Inflation #CPI #PurchasingPower #Rent #ShelterCosts #StickyInflation #CoreServices #FedPause #FederalReserve #PCE #IBonds #PersonalFinance #CostOfLiving #Budgeting #FexingoBusiness #BusinessPodcast #FinancePodcast #InflationAndYourMoney

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    8 min
  • TIPS Bonds Are the Inflation Hedge Nobody Talks About

    Everyone rushes to gold when inflation worries rise — but in April 2026, consumer prices rose 0.65 percent month over month, and gold had its worst week in years. Lucas and Luna make the case for Treasury Inflation-Protected Securities, or TIPS, as a boring but effective hedge. They walk through how TIPS adjust principal with CPI, how the current 2.44 percent breakeven rate signals market expectations, and why owning them inside an IRA avoids phantom income tax. No hot takes — just numbers and strategy.

    #TIPS #InflationHedge #TreasuryInflationProtectedSecurities #CPI #Bonds #PurchasingPower #FederalReserve #BreakevenRate #RealYield #PortfolioStrategy #Investing #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast #LucasAndLuna #May2026 #FinancialPlanning

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    7 min
  • Gold Just Had Its Worst Week in Years What That Says About Inflation

    Gold is down nearly 4% in five days. The mining stocks ETF, GDX, has dropped more than 12%. In the first episode of Inflation and Your Money, Lucas and Luna unpack what this sell-off really means for everyday purchasing power. They look at the latest CPI print showing prices still rising at a 3.2% annual rate, while the Fed holds rates steady at 3.65%. Is the inflation fight over, or is something else driving gold lower? Lucas explains how breakeven inflation rates and real yields work, and why a falling gold price can actually be a good sign for your wallet — if you know what to watch. The hosts also preview what listeners can expect from the show: no hot takes, just clear explanations of how inflation touches everything from your grocery bill to your 401(k). This is the conversation you want before your next portfolio check-in.

    #Gold #Inflation #CPI #GDX #FederalReserve #RealYield #BreakevenInflation #PurchasingPower #GoldSellOff #MiningStocks #InterestRates #PortfolioStrategy #PersonalFinance #Finance #FexingoBusiness #BusinessPodcast #InflationAndYourMoney #LucasAndLuna

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    10 min

About Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation

From the publisher's feed

Inflation is not a single number — it is a tax that hits every asset, every salary, and every grocery run differently. Lucas and Luna dig past the headline CPI print to show you where real purchasing power is being eroded and where it can be defended. Each episode opens with fresh data from the Bureau of Labor Statistics, the Federal Reserve, and real-time market moves. Lucas frames the macro forces — wage-price spirals, shelter inflation lags, Fed rate trajectories — while Luna tests every claim against a specific household scenario: a renter in Phoenix, a retiree on fixed income, a small business owner in Miami. They name the tools that actually work: I Bonds, TIPS ladders, floating-rate notes, short-duration bond funds, and yes, selective commodity exposure. They also name the traps: brand-switching as a strategy, inflation-linked CDs with hidden fees, and the false comfort of 'hedging' with assets that correlate only when it is too late. Every episode ends with a clear, quantified trade-off — what you gain by locking in a 5-year TIPS yield versus what you lose in liquidity. This show is for listeners who know that inflation is not transitory hype; it is a persistent drag that requires a specific, calibrated response. Can you outrun inflation without constructing a portfolio so defensive that you miss the next bull market?